handling stripe disputes/chargeback where renter disputes the charge through their credit card company or bank

backend/migrations/20260108000001-add-on-hold-to-payout-status.js

@@ -0,0 +1,18 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    // Add 'on_hold' to the existing payoutStatus enum
+    await queryInterface.sequelize.query(`
+      ALTER TYPE "enum_Rentals_payoutStatus" ADD VALUE IF NOT EXISTS 'on_hold';
+    `);
+  },
+
+  down: async (queryInterface, Sequelize) => {
+    // Note: PostgreSQL doesn't support removing enum values directly
+    // This would require recreating the enum type
+    console.log(
+      "Cannot remove enum value - manual intervention required if rollback needed"
+    );
+  },
+};

backend/migrations/20260108000002-add-dispute-fields-to-rental.js

@@ -0,0 +1,57 @@
+"use strict";
+
+module.exports = {
+  up: async (queryInterface, Sequelize) => {
+    await queryInterface.addColumn("Rentals", "stripeDisputeStatus", {
+      type: Sequelize.ENUM("open", "won", "lost", "warning_closed"),
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeId", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeReason", {
+      type: Sequelize.STRING,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeAmount", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeCreatedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeEvidenceDueBy", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeClosedAt", {
+      type: Sequelize.DATE,
+      allowNull: true,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeLost", {
+      type: Sequelize.BOOLEAN,
+      defaultValue: false,
+    });
+    await queryInterface.addColumn("Rentals", "stripeDisputeLostAmount", {
+      type: Sequelize.INTEGER,
+      allowNull: true,
+    });
+  },
+
+  down: async (queryInterface) => {
+    await queryInterface.removeColumn("Rentals", "stripeDisputeStatus");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeId");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeReason");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeAmount");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeCreatedAt");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeEvidenceDueBy");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeClosedAt");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeLost");
+    await queryInterface.removeColumn("Rentals", "stripeDisputeLostAmount");
+    await queryInterface.sequelize.query(
+      'DROP TYPE IF EXISTS "enum_Rentals_stripeDisputeStatus";'
+    );
+  },
+};

backend/models/Rental.js

@@ -71,7 +71,7 @@ const Rental = sequelize.define("Rental", {
     allowNull: false,
   },
   payoutStatus: {
-    type: DataTypes.ENUM("pending", "completed", "failed"),
+    type: DataTypes.ENUM("pending", "completed", "failed", "on_hold"),
     allowNull: true,
   },
   payoutProcessedAt: {
@@ -94,6 +94,43 @@ const Rental = sequelize.define("Rental", {
   bankDepositFailureCode: {
     type: DataTypes.STRING,
   },
+  // Dispute tracking fields (for tracking Stripe payment disputes/chargebacks)
+  stripeDisputeStatus: {
+    type: DataTypes.ENUM("open", "won", "lost", "warning_closed"),
+    allowNull: true,
+  },
+  stripeDisputeId: {
+    type: DataTypes.STRING,
+    allowNull: true,
+  },
+  stripeDisputeReason: {
+    type: DataTypes.STRING,
+    allowNull: true,
+  },
+  stripeDisputeAmount: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+  },
+  stripeDisputeCreatedAt: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeEvidenceDueBy: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeClosedAt: {
+    type: DataTypes.DATE,
+    allowNull: true,
+  },
+  stripeDisputeLost: {
+    type: DataTypes.BOOLEAN,
+    defaultValue: false,
+  },
+  stripeDisputeLostAmount: {
+    type: DataTypes.INTEGER,
+    allowNull: true,
+  },
   // Refund tracking fields
   refundAmount: {
     type: DataTypes.DECIMAL(10, 2),

backend/routes/stripeWebhooks.js

@@ -1,5 +1,6 @@
 const express = require("express");
 const StripeWebhookService = require("../services/stripeWebhookService");
+const DisputeService = require("../services/disputeService");
 const logger = require("../utils/logger");
 
 const router = express.Router();
@@ -70,6 +71,18 @@ router.post("/", async (req, res) => {
         );
         break;
 
+      case "charge.dispute.created":
+        // Renter disputed a charge with their bank
+        await DisputeService.handleDisputeCreated(event.data.object);
+        break;
+
+      case "charge.dispute.closed":
+      case "charge.dispute.funds_reinstated":
+      case "charge.dispute.funds_withdrawn":
+        // Dispute was resolved (won, lost, or warning closed)
+        await DisputeService.handleDisputeClosed(event.data.object);
+        break;
+
       default:
         logger.info("Unhandled webhook event type", { type: event.type });
     }

backend/services/disputeService.js

@@ -0,0 +1,162 @@
+const { Rental, User, Item } = require("../models");
+const emailServices = require("./email");
+const logger = require("../utils/logger");
+
+class DisputeService {
+  /**
+   * Handle charge.dispute.created webhook
+   * Called when a renter disputes a charge with their bank
+   * @param {Object} dispute - The Stripe dispute object from the webhook
+   * @returns {Object} Processing result
+   */
+  static async handleDisputeCreated(dispute) {
+    const paymentIntentId = dispute.payment_intent;
+
+    logger.info("Processing dispute.created webhook", {
+      disputeId: dispute.id,
+      paymentIntentId,
+      reason: dispute.reason,
+      amount: dispute.amount,
+    });
+
+    const rental = await Rental.findOne({
+      where: { stripePaymentIntentId: paymentIntentId },
+      include: [
+        { model: User, as: "owner" },
+        { model: User, as: "renter" },
+        { model: Item, as: "item" },
+      ],
+    });
+
+    if (!rental) {
+      logger.warn("Dispute received for unknown rental", {
+        paymentIntentId,
+        disputeId: dispute.id,
+      });
+      return { processed: false, reason: "rental_not_found" };
+    }
+
+    // Update rental with dispute info
+    await rental.update({
+      stripeDisputeStatus: "open",
+      stripeDisputeId: dispute.id,
+      stripeDisputeReason: dispute.reason,
+      stripeDisputeAmount: dispute.amount,
+      stripeDisputeCreatedAt: new Date(dispute.created * 1000),
+      stripeDisputeEvidenceDueBy: new Date(
+        dispute.evidence_details.due_by * 1000
+      ),
+    });
+
+    // Pause payout if not yet deposited to owner's bank
+    if (rental.bankDepositStatus !== "paid") {
+      await rental.update({ payoutStatus: "on_hold" });
+      logger.info("Payout placed on hold due to dispute", {
+        rentalId: rental.id,
+      });
+    }
+
+    // Send admin notification
+    await emailServices.payment.sendDisputeAlertEmail({
+      rentalId: rental.id,
+      amount: dispute.amount / 100,
+      reason: dispute.reason,
+      evidenceDueBy: new Date(dispute.evidence_details.due_by * 1000),
+      renterEmail: rental.renter?.email,
+      renterName: rental.renter?.firstName,
+      ownerEmail: rental.owner?.email,
+      ownerName: rental.owner?.firstName,
+      itemName: rental.item?.name,
+    });
+
+    logger.warn("Dispute created for rental", {
+      rentalId: rental.id,
+      disputeId: dispute.id,
+      reason: dispute.reason,
+      evidenceDueBy: dispute.evidence_details.due_by,
+    });
+
+    return { processed: true, rentalId: rental.id };
+  }
+
+  /**
+   * Handle dispute closed events (won, lost, or warning_closed)
+   * Called for: charge.dispute.closed, charge.dispute.funds_reinstated, charge.dispute.funds_withdrawn
+   * @param {Object} dispute - The Stripe dispute object from the webhook
+   * @returns {Object} Processing result
+   */
+  static async handleDisputeClosed(dispute) {
+    logger.info("Processing dispute closed webhook", {
+      disputeId: dispute.id,
+      status: dispute.status,
+    });
+
+    const rental = await Rental.findOne({
+      where: { stripeDisputeId: dispute.id },
+      include: [{ model: User, as: "owner" }],
+    });
+
+    if (!rental) {
+      logger.warn("Dispute closed for unknown rental", {
+        disputeId: dispute.id,
+      });
+      return { processed: false, reason: "rental_not_found" };
+    }
+
+    const won = dispute.status === "won";
+
+    await rental.update({
+      stripeDisputeStatus: dispute.status, // 'won', 'lost', 'warning_closed'
+      stripeDisputeClosedAt: new Date(),
+    });
+
+    // If we won the dispute, resume payout if it was on hold
+    if (won && rental.payoutStatus === "on_hold") {
+      await rental.update({ payoutStatus: "pending" });
+      logger.info("Payout resumed after winning dispute", {
+        rentalId: rental.id,
+      });
+    }
+
+    // If we lost, record the loss amount
+    if (!won && dispute.status === "lost") {
+      await rental.update({
+        stripeDisputeLost: true,
+        stripeDisputeLostAmount: dispute.amount,
+      });
+      logger.warn("Dispute lost", {
+        rentalId: rental.id,
+        amount: dispute.amount,
+      });
+
+      // If owner was already paid, flag for manual review
+      if (rental.bankDepositStatus === "paid") {
+        await emailServices.payment.sendDisputeLostAlertEmail({
+          rentalId: rental.id,
+          amount: dispute.amount / 100,
+          ownerAlreadyPaid: true,
+          ownerPayoutAmount: rental.payoutAmount,
+          ownerEmail: rental.owner?.email,
+          ownerName: rental.owner?.firstName,
+        });
+        logger.warn(
+          "Dispute lost - owner already paid, flagged for manual review",
+          {
+            rentalId: rental.id,
+            payoutAmount: rental.payoutAmount,
+          }
+        );
+      }
+    }
+
+    logger.info("Dispute closed", {
+      rentalId: rental.id,
+      disputeId: dispute.id,
+      outcome: dispute.status,
+    });
+
+    return { processed: true, won, rentalId: rental.id };
+  }
+}
+
+module.exports = DisputeService;

backend/services/email/core/TemplateManager.js

@@ -104,6 +104,9 @@ class TemplateManager {
         "forumCommentDeletionToAuthor.html",
         "paymentDeclinedToRenter.html",
         "paymentMethodUpdatedToOwner.html",
+        "payoutFailedToOwner.html",
+        "disputeAlertToAdmin.html",
+        "disputeLostAlertToAdmin.html",
         "userBannedNotification.html",
       ];
 

backend/services/email/domain/PaymentEmailService.js

@@ -1,5 +1,6 @@
 const EmailClient = require("../core/EmailClient");
 const TemplateManager = require("../core/TemplateManager");
+const { formatEmailDate } = require("../core/emailUtils");
 
 /**
  * PaymentEmailService handles payment-related emails
@@ -171,6 +172,120 @@ class PaymentEmailService {
       return { success: false, error: error.message };
     }
   }
+
+  /**
+   * Send dispute alert to platform admin
+   * Called when a new dispute is opened
+   * @param {Object} disputeData - Dispute information
+   * @param {string} disputeData.rentalId - Rental ID
+   * @param {number} disputeData.amount - Disputed amount in dollars
+   * @param {string} disputeData.reason - Stripe dispute reason code
+   * @param {Date} disputeData.evidenceDueBy - Evidence submission deadline
+   * @param {string} disputeData.renterEmail - Renter's email
+   * @param {string} disputeData.renterName - Renter's name
+   * @param {string} disputeData.ownerEmail - Owner's email
+   * @param {string} disputeData.ownerName - Owner's name
+   * @param {string} disputeData.itemName - Item name
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendDisputeAlertEmail(disputeData) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const variables = {
+        rentalId: disputeData.rentalId,
+        itemName: disputeData.itemName || "Unknown Item",
+        amount: disputeData.amount.toFixed(2),
+        reason: this.formatDisputeReason(disputeData.reason),
+        evidenceDueBy: formatEmailDate(disputeData.evidenceDueBy),
+        renterName: disputeData.renterName || "Unknown",
+        renterEmail: disputeData.renterEmail || "Unknown",
+        ownerName: disputeData.ownerName || "Unknown",
+        ownerEmail: disputeData.ownerEmail || "Unknown",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "disputeAlertToAdmin",
+        variables
+      );
+
+      // Send to admin email (configure in env)
+      const adminEmail = process.env.ADMIN_EMAIL || process.env.SES_FROM_EMAIL;
+
+      return await this.emailClient.sendEmail(
+        adminEmail,
+        `URGENT: Payment Dispute - Rental #${disputeData.rentalId}`,
+        htmlContent
+      );
+    } catch (error) {
+      console.error("Failed to send dispute alert email:", error);
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Send alert when dispute is lost and owner was already paid
+   * Flags for manual review to decide on potential clawback
+   * @param {Object} disputeData - Dispute information
+   * @param {string} disputeData.rentalId - Rental ID
+   * @param {number} disputeData.amount - Lost dispute amount in dollars
+   * @param {number} disputeData.ownerPayoutAmount - Amount already paid to owner
+   * @param {string} disputeData.ownerEmail - Owner's email
+   * @param {string} disputeData.ownerName - Owner's name
+   * @returns {Promise<{success: boolean, messageId?: string, error?: string}>}
+   */
+  async sendDisputeLostAlertEmail(disputeData) {
+    if (!this.initialized) {
+      await this.initialize();
+    }
+
+    try {
+      const variables = {
+        rentalId: disputeData.rentalId,
+        amount: disputeData.amount.toFixed(2),
+        ownerPayoutAmount: parseFloat(disputeData.ownerPayoutAmount || 0).toFixed(2),
+        ownerName: disputeData.ownerName || "Unknown",
+        ownerEmail: disputeData.ownerEmail || "Unknown",
+      };
+
+      const htmlContent = await this.templateManager.renderTemplate(
+        "disputeLostAlertToAdmin",
+        variables
+      );
+
+      const adminEmail = process.env.ADMIN_EMAIL || process.env.SES_FROM_EMAIL;
+
+      return await this.emailClient.sendEmail(
+        adminEmail,
+        `ACTION REQUIRED: Dispute Lost - Owner Already Paid - Rental #${disputeData.rentalId}`,
+        htmlContent
+      );
+    } catch (error) {
+      console.error("Failed to send dispute lost alert email:", error);
+      return { success: false, error: error.message };
+    }
+  }
+
+  /**
+   * Format Stripe dispute reason codes to human-readable text
+   * @param {string} reason - Stripe dispute reason code
+   * @returns {string} Human-readable reason
+   */
+  formatDisputeReason(reason) {
+    const reasonMap = {
+      duplicate: "Duplicate charge",
+      fraudulent: "Fraudulent transaction",
+      subscription_canceled: "Subscription canceled",
+      product_unacceptable: "Product unacceptable",
+      product_not_received: "Product not received",
+      unrecognized: "Unrecognized charge",
+      credit_not_processed: "Credit not processed",
+      general: "General dispute",
+    };
+    return reasonMap[reason] || reason || "Unknown reason";
+  }
 }
 
 module.exports = PaymentEmailService;

backend/templates/emails/disputeAlertToAdmin.html

@@ -0,0 +1,354 @@
+<!DOCTYPE html>
+<html lang="en">
+  <head>
+    <meta charset="utf-8" />
+    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+    <meta http-equiv="X-UA-Compatible" content="IE=edge" />
+    <title>Payment Dispute Alert - Village Share</title>
+    <style>
+      /* Reset styles */
+      body,
+      table,
+      td,
+      p,
+      a,
+      li,
+      blockquote {
+        -webkit-text-size-adjust: 100%;
+        -ms-text-size-adjust: 100%;
+      }
+      table,
+      td {
+        mso-table-lspace: 0pt;
+        mso-table-rspace: 0pt;
+      }
+      img {
+        -ms-interpolation-mode: bicubic;
+      }
+
+      /* Base styles */
+      body {
+        margin: 0;
+        padding: 0;
+        width: 100% !important;
+        min-width: 100%;
+        height: 100%;
+        background-color: #f8f9fa;
+        font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
+          Oxygen, Ubuntu, Cantarell, sans-serif;
+        line-height: 1.6;
+        color: #212529;
+      }
+
+      /* Container */
+      .email-container {
+        max-width: 600px;
+        margin: 0 auto;
+        background-color: #ffffff;
+        border-radius: 8px;
+        overflow: hidden;
+        box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
+      }
+
+      /* Header */
+      .header {
+        background: linear-gradient(135deg, #dc3545 0%, #c82333 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 8px;
+      }
+
+      /* Content */
+      .content {
+        padding: 40px 30px;
+      }
+
+      .content h1 {
+        font-size: 24px;
+        font-weight: 600;
+        margin: 0 0 20px 0;
+        color: #212529;
+      }
+
+      .content h2 {
+        font-size: 20px;
+        font-weight: 600;
+        margin: 30px 0 15px 0;
+        color: #495057;
+      }
+
+      .content p {
+        margin: 0 0 16px 0;
+        color: #6c757d;
+        line-height: 1.6;
+      }
+
+      .content strong {
+        color: #495057;
+      }
+
+      /* Alert box */
+      .alert-box {
+        background-color: #f8d7da;
+        border-left: 4px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .alert-box p {
+        margin: 0 0 10px 0;
+        color: #721c24;
+      }
+
+      .alert-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Warning display */
+      .warning-display {
+        background: linear-gradient(135deg, #dc3545 0%, #c82333 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(220, 53, 69, 0.3);
+      }
+
+      .warning-label {
+        color: #ffffff;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .warning-amount {
+        color: #ffffff;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .warning-subtitle {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 10px;
+      }
+
+      /* Deadline display */
+      .deadline-display {
+        background: linear-gradient(135deg, #ffc107 0%, #e0a800 100%);
+        padding: 20px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 20px 0;
+        box-shadow: 0 4px 12px rgba(255, 193, 7, 0.3);
+      }
+
+      .deadline-label {
+        color: #212529;
+        font-size: 12px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 5px;
+      }
+
+      .deadline-date {
+        color: #212529;
+        font-size: 24px;
+        font-weight: 700;
+        margin: 0;
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .info-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Info table */
+      .info-table {
+        width: 100%;
+        border-collapse: collapse;
+        margin: 20px 0;
+        background-color: #f8f9fa;
+        border-radius: 6px;
+        overflow: hidden;
+      }
+
+      .info-table th,
+      .info-table td {
+        padding: 15px;
+        text-align: left;
+        border-bottom: 1px solid #dee2e6;
+      }
+
+      .info-table th {
+        background-color: #e9ecef;
+        font-weight: 600;
+        color: #495057;
+        width: 40%;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* Footer */
+      .footer {
+        background-color: #f8f9fa;
+        padding: 30px;
+        text-align: center;
+        border-top: 1px solid #e9ecef;
+      }
+
+      .footer p {
+        margin: 0 0 10px 0;
+        font-size: 14px;
+        color: #6c757d;
+      }
+
+      .footer a {
+        color: #667eea;
+        text-decoration: none;
+      }
+
+      .footer a:hover {
+        text-decoration: underline;
+      }
+
+      /* Responsive */
+      @media only screen and (max-width: 600px) {
+        .email-container {
+          margin: 0;
+          border-radius: 0;
+        }
+
+        .header,
+        .content,
+        .footer {
+          padding: 20px;
+        }
+
+        .logo {
+          font-size: 28px;
+        }
+
+        .content h1 {
+          font-size: 22px;
+        }
+
+        .warning-amount {
+          font-size: 36px;
+        }
+
+        .info-table th,
+        .info-table td {
+          padding: 10px;
+          font-size: 14px;
+        }
+      }
+    </style>
+  </head>
+  <body>
+    <div class="email-container">
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Payment Dispute Alert</div>
+      </div>
+
+      <div class="content">
+        <h1>Payment Dispute Opened</h1>
+
+        <p>
+          A payment dispute has been filed that requires immediate attention.
+          Evidence must be submitted before the deadline to contest this
+          dispute.
+        </p>
+
+        <div class="warning-display">
+          <div class="warning-label">Disputed Amount</div>
+          <div class="warning-amount">${{amount}}</div>
+          <div class="warning-subtitle">Funds withdrawn from platform balance</div>
+        </div>
+
+        <div class="deadline-display">
+          <div class="deadline-label">Evidence Due By</div>
+          <div class="deadline-date">{{evidenceDueBy}}</div>
+        </div>
+
+        <h2>Dispute Details</h2>
+        <table class="info-table">
+          <tr>
+            <th>Rental ID</th>
+            <td>{{rentalId}}</td>
+          </tr>
+          <tr>
+            <th>Item</th>
+            <td>{{itemName}}</td>
+          </tr>
+          <tr>
+            <th>Dispute Reason</th>
+            <td>{{reason}}</td>
+          </tr>
+        </table>
+
+        <h2>Parties Involved</h2>
+        <div class="info-box">
+          <p><strong>Renter:</strong> {{renterName}} ({{renterEmail}})</p>
+          <p><strong>Owner:</strong> {{ownerName}} ({{ownerEmail}})</p>
+        </div>
+
+        <div class="alert-box">
+          <p><strong>Action Required:</strong></p>
+          <p>
+            Log into the Stripe Dashboard to review and respond to this dispute.
+            Submit evidence such as rental agreements, communication logs,
+            delivery confirmation, and condition check photos before the
+            deadline.
+          </p>
+        </div>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share - Admin Alert</strong></p>
+        <p>
+          This is an automated notification about a payment dispute requiring
+          immediate attention.
+        </p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
+    </div>
+  </body>
+</html>

backend/templates/emails/disputeLostAlertToAdmin.html

@@ -0,0 +1,359 @@
+<!DOCTYPE html>
+<html lang="en">
+  <head>
+    <meta charset="utf-8" />
+    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
+    <meta http-equiv="X-UA-Compatible" content="IE=edge" />
+    <title>Dispute Lost - Manual Review Required - Village Share</title>
+    <style>
+      /* Reset styles */
+      body,
+      table,
+      td,
+      p,
+      a,
+      li,
+      blockquote {
+        -webkit-text-size-adjust: 100%;
+        -ms-text-size-adjust: 100%;
+      }
+      table,
+      td {
+        mso-table-lspace: 0pt;
+        mso-table-rspace: 0pt;
+      }
+      img {
+        -ms-interpolation-mode: bicubic;
+      }
+
+      /* Base styles */
+      body {
+        margin: 0;
+        padding: 0;
+        width: 100% !important;
+        min-width: 100%;
+        height: 100%;
+        background-color: #f8f9fa;
+        font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
+          Oxygen, Ubuntu, Cantarell, sans-serif;
+        line-height: 1.6;
+        color: #212529;
+      }
+
+      /* Container */
+      .email-container {
+        max-width: 600px;
+        margin: 0 auto;
+        background-color: #ffffff;
+        border-radius: 8px;
+        overflow: hidden;
+        box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
+      }
+
+      /* Header */
+      .header {
+        background: linear-gradient(135deg, #721c24 0%, #491217 100%);
+        padding: 40px 30px;
+        text-align: center;
+      }
+
+      .logo {
+        font-size: 32px;
+        font-weight: 700;
+        color: #ffffff;
+        text-decoration: none;
+        letter-spacing: -1px;
+      }
+
+      .tagline {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 8px;
+      }
+
+      /* Content */
+      .content {
+        padding: 40px 30px;
+      }
+
+      .content h1 {
+        font-size: 24px;
+        font-weight: 600;
+        margin: 0 0 20px 0;
+        color: #212529;
+      }
+
+      .content h2 {
+        font-size: 20px;
+        font-weight: 600;
+        margin: 30px 0 15px 0;
+        color: #495057;
+      }
+
+      .content p {
+        margin: 0 0 16px 0;
+        color: #6c757d;
+        line-height: 1.6;
+      }
+
+      .content strong {
+        color: #495057;
+      }
+
+      /* Critical alert box */
+      .critical-alert {
+        background-color: #f8d7da;
+        border: 2px solid #dc3545;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 6px;
+        text-align: center;
+      }
+
+      .critical-alert p {
+        margin: 0;
+        color: #721c24;
+        font-weight: 600;
+        font-size: 16px;
+      }
+
+      /* Loss display */
+      .loss-display {
+        background: linear-gradient(135deg, #dc3545 0%, #c82333 100%);
+        padding: 30px;
+        border-radius: 8px;
+        text-align: center;
+        margin: 30px 0;
+        box-shadow: 0 4px 12px rgba(220, 53, 69, 0.3);
+      }
+
+      .loss-label {
+        color: #ffffff;
+        font-size: 14px;
+        text-transform: uppercase;
+        letter-spacing: 1px;
+        margin-bottom: 10px;
+      }
+
+      .loss-amount {
+        color: #ffffff;
+        font-size: 48px;
+        font-weight: 700;
+        margin: 0;
+        line-height: 1;
+      }
+
+      .loss-subtitle {
+        color: #f8d7da;
+        font-size: 14px;
+        margin-top: 10px;
+      }
+
+      /* Info box */
+      .info-box {
+        background-color: #fff3cd;
+        border-left: 4px solid #ffc107;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .info-box p {
+        margin: 0 0 10px 0;
+        color: #856404;
+      }
+
+      .info-box p:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Info table */
+      .info-table {
+        width: 100%;
+        border-collapse: collapse;
+        margin: 20px 0;
+        background-color: #f8f9fa;
+        border-radius: 6px;
+        overflow: hidden;
+      }
+
+      .info-table th,
+      .info-table td {
+        padding: 15px;
+        text-align: left;
+        border-bottom: 1px solid #dee2e6;
+      }
+
+      .info-table th {
+        background-color: #e9ecef;
+        font-weight: 600;
+        color: #495057;
+        width: 50%;
+      }
+
+      .info-table td {
+        color: #6c757d;
+      }
+
+      .info-table tr:last-child td {
+        border-bottom: none;
+      }
+
+      /* Action list */
+      .action-list {
+        background-color: #e7f3ff;
+        border-left: 4px solid #0066cc;
+        padding: 20px;
+        margin: 20px 0;
+        border-radius: 0 6px 6px 0;
+      }
+
+      .action-list h3 {
+        margin: 0 0 15px 0;
+        color: #004085;
+        font-size: 16px;
+      }
+
+      .action-list ol {
+        margin: 0;
+        padding-left: 20px;
+        color: #004085;
+      }
+
+      .action-list li {
+        margin-bottom: 10px;
+      }
+
+      .action-list li:last-child {
+        margin-bottom: 0;
+      }
+
+      /* Footer */
+      .footer {
+        background-color: #f8f9fa;
+        padding: 30px;
+        text-align: center;
+        border-top: 1px solid #e9ecef;
+      }
+
+      .footer p {
+        margin: 0 0 10px 0;
+        font-size: 14px;
+        color: #6c757d;
+      }
+
+      .footer a {
+        color: #667eea;
+        text-decoration: none;
+      }
+
+      .footer a:hover {
+        text-decoration: underline;
+      }
+
+      /* Responsive */
+      @media only screen and (max-width: 600px) {
+        .email-container {
+          margin: 0;
+          border-radius: 0;
+        }
+
+        .header,
+        .content,
+        .footer {
+          padding: 20px;
+        }
+
+        .logo {
+          font-size: 28px;
+        }
+
+        .content h1 {
+          font-size: 22px;
+        }
+
+        .loss-amount {
+          font-size: 36px;
+        }
+
+        .info-table th,
+        .info-table td {
+          padding: 10px;
+          font-size: 14px;
+        }
+      }
+    </style>
+  </head>
+  <body>
+    <div class="email-container">
+      <div class="header">
+        <div class="logo">Village Share</div>
+        <div class="tagline">Dispute Lost - Manual Review Required</div>
+      </div>
+
+      <div class="content">
+        <h1>Dispute Lost - Owner Already Paid</h1>
+
+        <div class="critical-alert">
+          <p>
+            MANUAL REVIEW REQUIRED: The platform has lost this dispute, but the
+            owner has already received their payout.
+          </p>
+        </div>
+
+        <div class="loss-display">
+          <div class="loss-label">Platform Loss</div>
+          <div class="loss-amount">${{amount}}</div>
+          <div class="loss-subtitle">Dispute lost - funds returned to renter</div>
+        </div>
+
+        <h2>Financial Impact</h2>
+        <table class="info-table">
+          <tr>
+            <th>Rental ID</th>
+            <td>{{rentalId}}</td>
+          </tr>
+          <tr>
+            <th>Disputed Amount Lost</th>
+            <td style="color: #dc3545"><strong>${{amount}}</strong></td>
+          </tr>
+          <tr>
+            <th>Owner Payout (already sent)</th>
+            <td>${{ownerPayoutAmount}}</td>
+          </tr>
+        </table>
+
+        <h2>Owner Information</h2>
+        <div class="info-box">
+          <p><strong>Name:</strong> {{ownerName}}</p>
+          <p><strong>Email:</strong> {{ownerEmail}}</p>
+        </div>
+
+        <div class="action-list">
+          <h3>Recommended Actions</h3>
+          <ol>
+            <li>Review the dispute details in Stripe Dashboard</li>
+            <li>Assess whether to pursue clawback from owner's future payouts</li>
+            <li>Document the decision and reasoning</li>
+            <li>If clawback approved, contact owner before deducting</li>
+          </ol>
+        </div>
+
+        <p style="color: #6c757d; font-size: 14px">
+          This alert was sent because the dispute was lost after the owner had
+          already received their bank deposit. Manual review is required to
+          determine next steps.
+        </p>
+      </div>
+
+      <div class="footer">
+        <p><strong>Village Share - Admin Alert</strong></p>
+        <p>
+          This is an automated notification about a dispute loss requiring
+          manual review.
+        </p>
+        <p>&copy; 2025 Village Share. All rights reserved.</p>
+      </div>
+    </div>
+  </body>
+</html>